{"id":4085,"date":"2022-03-22T09:27:57","date_gmt":"2022-03-22T09:27:57","guid":{"rendered":"https:\/\/www.brummas.com\/?p=4085"},"modified":"2026-07-10T14:38:53","modified_gmt":"2026-07-10T14:38:53","slug":"abrir-uma-conta-bancaria","status":"publish","type":"post","link":"https:\/\/www.brummas.com\/pt\/finance-and-investment\/opening-bank-account\/","title":{"rendered":"Abrir uma Conta Banc\u00e1ria"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4085\" class=\"elementor elementor-4085\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8eddf21 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"8eddf21\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e841c79\" data-id=\"e841c79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8096ec8 elementor-widget elementor-widget-text-editor\" data-id=\"8096ec8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Abrir uma conta banc\u00e1ria para atividades privadas \u00e9 bastante f\u00e1cil e execut\u00e1vel, embora seja necess\u00e1rio um n\u00famero de telefone local para poder utiliz\u00e1-la remotamente e efetuar as transfer\u00eancias regulares.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cac6c2a elementor-widget elementor-widget-spacer\" data-id=\"cac6c2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d14a83 elementor-widget elementor-widget-image\" data-id=\"8d14a83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/IMG_4695_v1-scaled-rn0jnrl2vdk5h5t5xgmpyvetejofntye1kukv4pktc.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90fb389 elementor-widget elementor-widget-spacer\" data-id=\"90fb389\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e785877 elementor-widget elementor-widget-text-editor\" data-id=\"e785877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A realidade \u00e9 diferente quando se trata de desenvolver uma atividade empresarial. Para quem reside permanentemente nos A\u00e7ores e pretende abrir um neg\u00f3cio, como uma loja ou um restaurante, o processo \u00e9 relativamente simples, sobretudo se j\u00e1 possuir uma conta banc\u00e1ria e uma empresa constitu\u00edda ao abrigo da legisla\u00e7\u00e3o portuguesa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4786d97 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4786d97\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2adba89\" data-id=\"2adba89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29294ee elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"29294ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca19088 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ca19088\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\"Abrir uma conta banc\u00e1ria para fins pessoais \u00e9 um processo relativamente simples. J\u00e1 no caso das atividades empresariais, a realidade \u00e9 diferente.\"<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a1b77f elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"1a1b77f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/IMG_4235_v2-rmoao3urjannp7mxe3snrmek0xhv25z75fr99pura8.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91604f6 elementor-widget elementor-widget-spacer\" data-id=\"91604f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f18dbb elementor-widget elementor-widget-text-editor\" data-id=\"5f18dbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contudo, com o refor\u00e7o das regras da Uni\u00e3o Europeia em mat\u00e9ria de preven\u00e7\u00e3o do branqueamento de capitais, a abertura de uma conta banc\u00e1ria empresarial pode revelar-se um desafio para quem n\u00e3o reside permanentemente nos A\u00e7ores ou pretende desenvolver atividades sem presen\u00e7a f\u00edsica, como na \u00e1rea das tecnologias de informa\u00e7\u00e3o. Nestes casos, o processo tende a ser mais exigente e, por vezes, pode mesmo dificultar a abertura da conta.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e341aa5 elementor-widget elementor-widget-spacer\" data-id=\"e341aa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5f3dc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c5f3dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mesmo quando a abertura de uma conta \u00e9 poss\u00edvel, \u00e9 expect\u00e1vel que o processo envolva um elevado n\u00edvel de escrut\u00ednio por parte das institui\u00e7\u00f5es banc\u00e1rias, com pedidos de informa\u00e7\u00e3o e documenta\u00e7\u00e3o bastante detalhados. Na pr\u00e1tica, cumprir todos estes requisitos nem sempre \u00e9 suficiente para garantir a aprova\u00e7\u00e3o do pedido, mesmo quando n\u00e3o existe qualquer antecedente ou motivo que justifique reservas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48fe4b6 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"48fe4b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/atm_v1-scaled-rmo5tnz175uou4cnu5xy9l6z2q2hxegwvahczl8ii4.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5153d22 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"5153d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"finance-and-investment\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1647941277\"\r\n\t            data-title=\"Opening Bank Account\" \r\n\t            data-home=\"https:\/\/www.brummas.com\/pt\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Abrir uma conta banc\u00e1ria para actividades privadas \u00e9 bastante f\u00e1cil e execut\u00e1vel, embora seja necess\u00e1rio um n\u00famero de telefone local para poder utiliz\u00e1-la remotamente e efetuar as transfer\u00eancias regulares...<\/p>","protected":false},"author":3,"featured_media":10185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[94],"class_list":["post-4085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-and-investment","tag-en"],"_links":{"self":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/4085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/comments?post=4085"}],"version-history":[{"count":75,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/4085\/revisions"}],"predecessor-version":[{"id":12849,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/4085\/revisions\/12849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/media\/10185"}],"wp:attachment":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/media?parent=4085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/categories?post=4085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/tags?post=4085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}